Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Shearwater, St. Augustine — a pool home in St. Johns County.

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Active

Active·Listed today·Shearwater

148 Totten Way

St. Augustine, FL 32092

$912,725$275/sqftEst. $4,697/moMLS# 2159964

Beds

Baths

3,319

Sq Ft

2021

Built

Garage

Yes

Pool

About this home

Shearwater

Why build when you can move right into your dream home? This beautifully appointed Dream Finders popular Montauk one story floor plan has the perfect layout with the combination of style, function and resort style outdoor living. This home is an entertainers dream. The kitchen has a massive island and extra cabinets and counter space. There is a lot of storage from the walk in pantry, extended laundry room and next to the butler's pantry is a large closet that could turn into your future wine cellar. The spacious master bedroom suite features an attached area big enough to be an office, work out space or yoga den. The master bath has his and her closets, large soaking tub and separate shower. There are 3 more good sized bedrooms and 3.5 total bathrooms. The private backyard retreat is incredible to entertain, drink your morning coffee or just float in the pool. Not only is the pool heated but it can be cooled as well for year round relaxing while enjoying the water views.Don't miss i

Cost to own

Mortgage calculator

Home Price

$912,725

Down Payment: 20%

$182,545

Interest Rate: 6.67%

Loan Term

Monthly Payment

$4,697

Principal & Interest: $4,697

Property taxes (est.): $1,215

Insurance (est.): $608

Estimated Total Monthly

$6,520

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.67% · 30yr$4,697

Property taxesest. at asking price, St. Johns County$1,215

HOAbilled annually$20

Estimated total, before insurance$5,931/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,578/yr · $881/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $10,578/yr

Estimated taxes if purchased at asking price: ~$14,600/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2021)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,767 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Aug 13, 2026Listed$912,725

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$912,725

Price / Sq Ft$275

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,319

Acres0.21 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Electric Heat, Heated

Is WaterfrontYes

School Information

ElementaryTrout Creek Academy

MiddleTrout Creek Academy

HighBeachside

Community Information

Address148 Totten Way, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size9,147.6 sq ft

Parcel Number0100132230

ZoningSingle Family

Amenities

AmenitiesPool, Basketball Court, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPond, Pool

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Range, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringCarpet

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)

Spa FeaturesIn Ground, Heated